EP3602445A4 - Appareil et procédé d'autorisation de paiement et segmentation en unités sur la base d'une authentification - Google Patents

Appareil et procédé d'autorisation de paiement et segmentation en unités sur la base d'une authentification Download PDF

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Publication number
EP3602445A4
EP3602445A4 EP18772290.5A EP18772290A EP3602445A4 EP 3602445 A4 EP3602445 A4 EP 3602445A4 EP 18772290 A EP18772290 A EP 18772290A EP 3602445 A4 EP3602445 A4 EP 3602445A4
Authority
EP
European Patent Office
Prior art keywords
authentication based
payment authorization
based tokenization
tokenization
authorization
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP18772290.5A
Other languages
German (de)
English (en)
Other versions
EP3602445A1 (fr
Inventor
Leonid Voldman
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Tokenid Inc
Original Assignee
Tokenid Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tokenid Inc filed Critical Tokenid Inc
Publication of EP3602445A1 publication Critical patent/EP3602445A1/fr
Publication of EP3602445A4 publication Critical patent/EP3602445A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP18772290.5A 2017-03-19 2018-03-16 Appareil et procédé d'autorisation de paiement et segmentation en unités sur la base d'une authentification Withdrawn EP3602445A4 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201762473406P 2017-03-19 2017-03-19
PCT/US2018/022912 WO2018175246A1 (fr) 2017-03-19 2018-03-16 Appareil et procédé d'autorisation de paiement et segmentation en unités sur la base d'une authentification

Publications (2)

Publication Number Publication Date
EP3602445A1 EP3602445A1 (fr) 2020-02-05
EP3602445A4 true EP3602445A4 (fr) 2020-12-02

Family

ID=63519357

Family Applications (1)

Application Number Title Priority Date Filing Date
EP18772290.5A Withdrawn EP3602445A4 (fr) 2017-03-19 2018-03-16 Appareil et procédé d'autorisation de paiement et segmentation en unités sur la base d'une authentification

Country Status (3)

Country Link
US (2) US20180268407A1 (fr)
EP (1) EP3602445A4 (fr)
WO (1) WO2018175246A1 (fr)

Families Citing this family (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7017224B2 (ja) * 2017-08-16 2022-02-08 株式会社 エヌティーアイ 決済装置、決済方法、コンピュータプログラム、仮想貨幣データ生成装置、方法
US11256789B2 (en) * 2018-06-18 2022-02-22 Visa International Service Association Recurring token transactions
FR3083356B1 (fr) * 2018-06-29 2020-09-11 Ingenico Group Procede de realisation d'une transaction, terminal, serveur et programme d'ordinateur correspondant
WO2020041722A1 (fr) * 2018-08-24 2020-02-27 Mastercard International Incorporated Systèmes et procédés de commerce distant sécurisé
US11386422B2 (en) * 2018-12-05 2022-07-12 Paypal, Inc. Passive management of multiple digital tokens for an electronic transaction
US11070548B2 (en) * 2018-12-21 2021-07-20 Paypal, Inc. Tokenized online application sessions
KR102243532B1 (ko) * 2019-02-08 2021-04-22 주식회사 센스톤 칩 고유값 기반의 가상코드를 이용하여 장치를 식별하는 방법, 프로그램 및 장치
CN110166493B (zh) * 2019-07-01 2021-10-15 武汉斗鱼鱼乐网络科技有限公司 一种社交客户端通讯录动态保护方法及装置
US20210004793A1 (en) * 2019-07-03 2021-01-07 Visa International Service Association Mobile-OTP Based Authorisation of Transactions
WO2021040243A1 (fr) * 2019-08-30 2021-03-04 주식회사 센스톤 Dispositif de transaction financière basé sur un numéro de carte virtuelle, procédé de fourniture de transaction financière basé sur un numéro de carte virtuelle et programme de fourniture de transaction financière basé sur un numéro de carte virtuel
SG10202000208RA (en) * 2020-01-09 2020-03-30 Alipay Labs Singapore Pte Ltd Methods and devices for managing standby letter of credit
CN111242594B (zh) * 2020-01-13 2021-11-16 支付宝实验室(新加坡)有限公司 跨地域离线支付的注册、付款方法和装置
US11601279B2 (en) * 2020-06-12 2023-03-07 Capital One Services, Llc Systems and methods for payment authentication
US20210390546A1 (en) * 2020-06-15 2021-12-16 Magtek, Inc. Systems and Methods for Secure Transaction Processing
CN112330323A (zh) * 2020-11-05 2021-02-05 建信金融科技有限责任公司 生成令牌种子和二维码的方法、支付方法和装置
US20220172217A1 (en) * 2020-12-02 2022-06-02 Jpmorgan Chase Bank, N.A. Method and system for payment card presence determination
US20220198440A1 (en) * 2020-12-18 2022-06-23 Visa International Service Association Method, System, and Computer Program Product for Generating a Token for a User Based on Another Token of Another User
CN114358930B (zh) * 2021-12-22 2023-05-02 成都智元汇信息技术股份有限公司 一种基于sdk获取异地乘车二维码执行交易的方法、地铁客户端及系统

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2551113C (fr) * 2003-12-23 2011-11-01 Wachovia Corporation Systeme d'authentification pour applications informatiques en reseau
US20120278236A1 (en) * 2011-03-21 2012-11-01 Qualcomm Incorporated System and method for presentment of nonconfidential transaction token identifier
US20160019536A1 (en) * 2012-10-17 2016-01-21 Royal Bank Of Canada Secure processing of data
US20170004506A1 (en) * 2015-06-14 2017-01-05 Tender Armor, Llc Security for electronic transactions and user authentication

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed *
See also references of WO2018175246A1 *

Also Published As

Publication number Publication date
US20180268407A1 (en) 2018-09-20
EP3602445A1 (fr) 2020-02-05
US20180268411A1 (en) 2018-09-20
WO2018175246A1 (fr) 2018-09-27

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